VISA Gold
- International credit card with high transaction and credit limits
- Exclusive proposals with Programme Visa Luxury Hotel Collection and special premium offers for your private and business trips.
- Guarantee for bookings of car rental, airline tickets, hotels, as well as purchases of various goods and services on the Internet.
- Free insurance "Assistance in travelling and accident"
- Secure payments on the Internet You get a card with automatic subscription for the service
- Automatic participation in PLUS Programme You collect and spend points in any card purchase in our partner network Programme.
VISA Gold
Features and Fees
Visa Gold credit card gives you the convenience, flexibility and security wherever you use it.
With it you have a higher transaction and credit limits and additional benefits.
As a holder of Visa Gold card you can take advantage of the special offers of Premium programme Visa Luxury Hotel Collection of Visa Europe - a selection of exclusive benefits and discounts in chain hotels, as well as suggestions for cruises and exotic trips, that will make your travels more pleasant.
Minimum net monthly income
Icon1000 BGN
Credit limit
IconFrom 5000 BGN up to 60,000 BGN
Currency
IconBGN, EUR
Time limit for issuing
Icon5 working days for standard
within 48 hours for express orders
Credit limit validity
Icon2 years
Interest rate
Icon1.30 % per month will be charged on the used and not paid part of the credit limit
Card validity
Icon4 years
Annual fee
IconNo annual fee for the first year. Then reduced to 50 BGN
Annual expense ratio
IconExample: 16.76 % with a repayment term of 12 months, an annual fee of 0.00 BGN for the first 2 years, utilized credit limit of 5000 BGN, a monthly payment of 3 % of the amount of disbursed limit and monthly interest rate 1.30 %
Minimum repayment amount
Icon3% of the approved credit limit
Grace period
IconUp to 45 days for purchases at POS terminal
Due date
IconFrom 1st to 15th of the month
Coverage
IconInternational
Discounts and boutique offers
Icon-
Advantages and discounts with programme Visa Luxury Hotel Collection of Visa Europe
-
Special premium offers from Visa for your private and business trips
Additional card
IconYes, according to the tariff
Functionality
IconChip and magnetic stripe
Preferential and special programmes
Icon-
Free Insurance
-
Automatic and free of charge activated service Secure payments on the Internet
-
Programme PLUS
Liabilities repayment
Icon- Direct debit - automatic repayment of a minimum repayment amount and all credit card liabilities from other bank accounts
- Mobile or online banking - repayment of a minimum repayment amount or larger amounts directly to the card account
- Installments at ATM - with cash deposit to a credit card account
- At cashier in the bank branch to a credit card account
24/7 customer service center
IconIn emergency situations or when you need to check your card balance
Statements and notifications
Icon- Free of charge monthly statement of account via e-mail
- Free of charge SMS reminder and e-mail 5 days prior to the date of the amount due and 3 days afterwards
View the full Tariff, as well as the General terms and conditions.
Card activation
The card activation process is now much faster and easier. Once you have your bank card, you can activate it yourself by changing your original PIN at UniCredit Bulbank’s ATM or all other ATMs with the logo of BORICA AD*.
*Activation of a card and change of PIN code is possible only at ATMs in Bulgaria!
Application of the Card
- Contactless payments – quick, easy and secure payment with only one move without a requirement to enter PIN for card purchases up to BGN 100 in merchant outlets in the country marked with the contactless payment symbol.
- Booking and rental services - cars or airline tickets and hotels
- Payment of products and services offered in merchant outlets at POS terminal in the country and abroad
- Collection points and payments with points at merchant outlets involved in PLUS Programme; Cash withdrawals at ATM and POS terminal in any bank branch
- Payment of monthly bills for electricity, central heating, phone and other services offered in the Internet through the ePay.bg system (the transaction can be executed after a registration at an ATM)
- Payment of bills and services from an ATM in Bulgaria through the B-Pay system
- Account balance, PIN change and information on the last five transactions only at ATMs in Bulgaria
- In case of contactless payments abroad the payment amount below which PIN is not required is different and is determined by the Bank which services the terminal and by the international card organisations (ICO). For example, in Europe the average payment limit below which no PIN is required is EUR 50.
How to Apply
Required documents and terms
- Minimum net monthly income BGN 1,000
- Client’s ID card
- Income other than employment relationship or without income transfer to bank account evidence
- Foreigners should a resident permit for Bulgaria
- Application form for credit card when visiting UniCredit Bulbank branches
Apply for your Visa Gold
Online
Fill in the online form and our consultant will contact you.
In branch of the bank
Apply for the card in any bank branch.
Through the online and mobile banking
Security tips
Take care of your financial security by following a few simple rules when using your card.
Additional Card Services
Secure Payments on the Internet
Secure payments on the Internet by Virtual PIN. Confirmation of payments at merchants participating in the MasterCard SecureCode and Verified by Visa.
SMS Notification
Receive information about payments, withdrawals and balances on your bank card via SMS.
Infodirect
Infodirect is a convenient information service that tracks every movement on your account and you receive short SMS or e-mail messages.
Bank Card Insurances
Insure your debit or credit card, and items you carry with it against unforeseen events.
Other credit card offers
Mastercard Standard
Mastercard Standard Credit is contactless international credit card intended for quick, easy and secure payment at ATM and POS.
Mastercard Gold
Mastercard Gold credit card of high transaction and credit limits. You will enjoy maximum protection when use it at all ATM and POS terminal devices.
Bulbank Mobile
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